Fair Credit Billing Act (FCBA)
Federal law protecting consumers from unfair credit billing practices.
📖 What It Means
The Fair Credit Billing Act (FCBA) protects consumers from unfair credit card billing practices. It gives you the right to dispute billing errors, unauthorized charges, and charges for goods/services not received or not as described. You must send a written dispute within 60 days of the statement date, and the creditor must acknowledge within 30 days and resolve within 2 billing cycles.
✅ Key Points
- 1Dispute must be sent within 60 days of statement date
- 2Creditor must acknowledge within 30 days
- 3Must be resolved within 2 billing cycles (max 90 days)
- 4You don't have to pay disputed amount during investigation
- 5Covers billing errors, unauthorized charges, and goods not received
💡 How to Use This
Use the FCBA when disputing credit card charges. Send your dispute in writing (certified mail) to the creditor's billing address — not the payment address. Keep a copy of everything.
Find Your Service →⚖️ Legal Citation
15 U.S.C. §§ 1666-1666jUse this citation in your dispute letters for legal weight.
🔗 Related Terms
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